CU Community in Tennessee vs the state
10.1%Denial rate-7.07 pts vs state
13.9%Decision denial rate-7.79 pts vs state
47.0%Origination rate-11.10 pts vs state
7.13%Median rate+0.50 pts vs state
1.20Rate spread (pts)+0.97 pts vs state
$87kMedian applicant income
70Loans originated
15Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 163 | 83 | 13.5% | 7.50% | #216 |
| 2024 | 186 | 81 | 11.8% | 7.63% | #212 |
| 2025 | 149 | 70 | 10.1% | 7.13% | #261 |
What CU Community lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most CU Community applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Putnam County | 26 | 10 | 1 | 3.8% |
| Davidson County | 20 | 7 | 2 | 10.0% |
| Hamilton County | 14 | 11 | 0 | 0.0% |
| Blount County | 7 | 6 | 0 | 0.0% |
| Knox County | 7 | 3 | 1 | 14.3% |
| Overton County | 5 | 1 | 0 | 0.0% |
| Washington County | 4 | 4 | 0 | 0.0% |
| White County | 4 | 2 | 0 | 0.0% |
| Robertson County | 4 | 1 | 0 | 0.0% |
| Loudon County | 4 | 1 | 2 | 50.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 149 applications in 2025, of which 70 were originated and 15 denied.
10.1% of all applications, or 13.9% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans CU Community originated in Tennessee in 2025 was 7.13%, against a statewide median of 6.62%.
About this data. Figures are CU Community's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology